An Ins. Dept. regulation requires insurance companies who sell variable life insurance—that is, a life insurance policy that also functions as an investment vehicle—to “adopt” and “use[]” standards in order to assess whether such insurance is “suitab[le]” to recommend and issue to potential investors. (Cal. Code Regs., tit.10, §2534.2(c);1 Ins. Code, § 10506(h).)  This decision holds that when the insured’s broker conducts an assessment of the suitability of the variable life insurance product for the insured, the insurer is not required to conduct its own independent suitability analysis, and the insurer does not ratify the broker’s assessment or assume liability for it, by issuing the policy.